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E-Bike and E-Scooter Insurance: What You Need to Know

Electric bikes and scooters are everywhere – in neighborhoods, on trails, and lining city sidewalks. Between 2018 and 2022, annual e-bike sales skyrocketed from around 250,000 to over one million, according to PeopleForBikes. As more riders embrace this convenient and eco-friendly transportation option, emergency rooms have reported a surge in related injuries: over 20,000 e-bike injuries per year, with roughly 3,000 requiring hospitalization, according to the American College of Surgeons.

E-bikes and scooters are fun, efficient, and environmentally friendly—but many riders don’t realize that their standard insurance may not cover them if something goes wrong.

Do your current policies cover your e-bike?

Here’s the catch: most homeowners and renters insurance policies exclude motorized vehicles, which means that your e-bike or scooter might not be covered under your standard policy. Even if some protection exists, it’s often limited to when the bike is physically on your property, or capped at a very low dollar amount.

That can create major coverage gaps if:

  • You’re in an accident and cause injury to someone else.
  • Your e-bike or scooter is stolen.
  • A lithium battery fire causes property damage.

Why proper coverage matters

Even a small accident or theft can cost thousands of dollars out-of-pocket—and filing a homeowners claim might raise your premium. A specialized e-bike or scooter policy can fill those gaps, providing protection for liability, theft, damage, and even battery-related incidents.

These stand-alone or add-on policies are typically affordable and designed specifically for the risks associated with electric bikes and scooters.

Questions to ask your insurance representative

Before your next ride, take a few minutes to review your coverage. Ask:

  • Does my homeowners or renters policy cover e-bikes or scooters?
  • What happens if I’m injured, or if I injure someone else?
  • Is theft or battery damage included?
  • Would an e-bike claim affect my homeowners premium?

Making sure your coverage matches how and where you ride ensures you’re protected—and gives you peace of mind every time you hit the road.